Turn Your House Into the Home You’ve Always Wanted

Bundle your home purchase and renovation into one simple, affordable loan — with as little as zero down payment in USDA-eligible areas.

Check Your Eligibility Now

Helping You Make a House Your Home

With a USDA Renovation Loan, you can purchase and renovate a home all under one affordable mortgage. Designed for homes in eligible rural areas, this program makes homeownership and upgrades more accessible for qualified buyers.

Zero Down Payment

Eligible buyers can purchase with little to no upfront cost

All-in-One Loan

Finance the purchase and renovation together

Lower Monthly Costs

Benefit from competitive rates and fewer fees

Flexible Renovations

From kitchen upgrades to safety repairs

What Can You Use the Renovation Funds For?

Upgrading kitchens and bathrooms
Repairing or adding an accessory dwelling unit (“granny flat”)
Installing energy-efficient features (appliances, windows, etc.)
Creating accessible amenities for disabilities

Do You Qualify for a USDA Renovation Loan?

If your home is located in a USDA-eligible area and you meet the income requirements, you could qualify for this powerful program with as little as zero down.

I’m looking to buy or renovate my primary residence
My property is (or will be) in a rural or suburban area
I meet standard credit and income guidelines

Your Partner in Homeownership

At Motto Mortgage, we specialize in helping homeowners secure financing solutions that make sense. From first-time buyers to experienced investors, our team guides you through every step — from pre-approval to renovation completion.